Provenance for Decision #67

Decided on: Feb. 11, 2025, 1:06 p.m.

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G n1 app:the_bank ann1 prov:label Some bank prov:type cs:RetailBank prov:type pl:DataController prov:type prov:Organization ann1->n1 n2 uuid:2f6c8880-f274-4d12-b675-5e9205901715 n3 app:applications/46 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-02-11T13:06:42.768000+00:00 prov:endTime 2025-02-11T13:06:57.310000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/46 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 7 Smith tunnel, Coxchester, W8A 4FQ cs:attr_annual_income 76000 cs:attr_applicant_name Denis Pratt cs:attr_dob "1986-12-29" %% xsd:date cs:attr_email_address gavin11@example.com cs:attr_emp_length 15 cs:attr_emp_title Theatre manager cs:attr_home_ownership 3 cs:attr_phone_number +44289018435 cs:attr_prev_address Flat 97, Dylan burgs, Gavinbury, BN3 2FX pl:created_at 2025-02-11T13:06:42.768559 ann3->n3 n4 app:decisions/67 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b11 n4->b11 wasDerivedFrom ann4 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2025-02-11T13:06:57.310900 pl:reason cs:low_credit_score ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:b6b63a9a-816b-4ffd-854c-ae0b32c1b237 n6->n3 used n7 app:creditreports/67 n6->n7 used n10 app:records/262 n6->n10 used n11 app:records/260 n6->n11 used n12 app:records/261 n6->n12 used n13 app:records/259 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-02-11T13:06:42.768000+00:00 prov:endTime 2025-02-11T13:06:57.310000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n16 app:providers/1 n7->n16 wasAttributedTo n17 uuid:0958f482-cb6e-404e-985d-533212c69703 n7->n17 wasGeneratedBy b13 n7->b13 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom b17 n7->b17 wasDerivedFrom b18 n7->b18 wasDerivedFrom b19 n7->b19 wasDerivedFrom b20 n7->b20 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 586 pl:created_at 2025-02-11T13:06:57.300175 ann7->n7 n8 app:models/creditcard_assessment n9 app:recommendations/67 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b4 n9->b4 wasDerivedFrom b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom b8 n9->b8 wasDerivedFrom b9 n9->b9 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-02-11T13:06:57.310900 pl:reason cs:low_credit_score ann8->n9 n22 app:providers/14 n10->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "889.16" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-02-11T13:06:57.309940 ann9->n10 n11->n22 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "889.16" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Oct-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-02-11T13:06:57.308538 ann10->n11 n12->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "889.16" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Sep-2024 cs:attr_payment_amount "74.85" %% xsd:float pl:created_at 2025-02-11T13:06:57.309119 ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "889.16" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Jul-2024 cs:attr_payment_amount "58.44" %% xsd:float pl:created_at 2025-02-11T13:06:57.307773 ann12->n13 ann13 prov:label Denis Pratt prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/46/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 7 Smith tunnel, Coxchester, W8A 4FQ cs:attr_applicant_name Denis Pratt cs:attr_dob "1986-12-29" %% xsd:date cs:attr_prev_address Flat 97, Dylan burgs, Gavinbury, BN3 2FX ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2025-02-11T13:06:57.300000+00:00 prov:endTime 2025-02-11T13:06:57.300000+00:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/257 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 7 Smith tunnel, Coxchester, W8A 4FQ cs:attr_from_date "2023-03-11" %% xsd:date pl:created_at 2025-01-27T00:00:00 ann18->n19 n20 app:providers/6 ann19 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/258 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 7 Smith tunnel, Coxchester, W8A 4FQ cs:attr_first_confirmed "2025-01-16" %% xsd:date cs:attr_last_confirmed "2024-07-04" %% xsd:date cs:attr_prev_address Flat 97, Dylan burgs, Gavinbury, BN3 2FX pl:created_at 2025-02-11T13:06:57.306278 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n13 b5->n7 b6->n3 b7->n12 b8->n10 b9->n11 b10->n5 b10->n8 plan b11->n9 b12->n3 b13->n15 b14->n16 b15->n13 b16->n11 b17->n12 b18->n19 b19->n10 b20->n21